JSFB H1 FY26 PAT at ₹177 Cr, GLP and Deposits cross ₹30,000 Cr in Q2
Jana Small Finance Bank reports H1 FY26 PAT of ₹177 Cr, with GLP and Deposits exceeding ₹30,000 Cr in Q2. Advances grew by 20%, and Deposits by 31% Y-o-Y.
The results indicate solid performance, but the accelerated provisioning impacts profitability, leading to a medium impact assessment.
The announcement highlights strong growth in deposits and advances, along with a healthy capital adequacy ratio and improving asset quality, indicating a positive outlook for the bank.
* Jana Small Finance Bank's PAT for H1 FY26 is ₹177 crore after an accelerated provision of ₹222 crore. * Gross Loan Portfolio (GLP) and Deposits cross ₹30,000 crore in Q2. * Advances grew by 20% and Deposits by 31% Y-o-Y. * The secured book grew by 34% Y-o-Y, now comprising 73% of the total book. * The Credit to Deposit ratio improved to 82.7% (excluding refinance from advances). * CAR stands at 20.7% (including interim profits for H1 FY26). * GNPA is at 2.8%, and NNPA is at 0.9%. * GLP stands at ₹31,655 crore, growing by 20% y-o-y with a 73% share of secured assets. * Total Deposits stand at ₹32,532 crore, with 31% y-o-y growth. * CASA grew by 20% y-o-y, and TD growth was 34% y-o-y. * Credit to Deposit ratio improves to 91.4% in Q2 FY26 vs 100.2% in Q2 FY25. * Capital Adequacy ratio at 19.7% with Tier-1 CRAR of 18.8%. * Strong liquidity with LCR of 170%. * GNPA ratio is 2.8% and NNPA ratio is 0.9% with PCR at 82.0% (including technical write-off). * PAT of ₹177 crore for H1 FY26 and ₹75 crore for Q2 FY26 after providing for accelerated provision of ₹222 crore in H1 FY26. * Management Commentary: The first half of FY26 reflects strong business momentum for the Bank, with healthy growth in both deposits and advances. The bank anticipates an improvement in Net Interest Margins (NIMs) with the cost of funds expected to decline in the coming quarters.
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Jana Small Finance Bank Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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See the model portfoliosA plain-language summary of a public exchange filing by Jana Small Finance Bank Limited. Read the original for the full detail.